Thanks everyone for the replies so far. Here are answers to some of the questions that popped up:
My income won't be increasing above 80k for at least the next 12 months.
House values have stayed stagnant for the past 2 years so no capital growth. We can do some minor changes but theres...
This question is probably more geared to the brokers but I thought it's worth posting publicly for the benefit of all.
I'm hoping someone can comment on whether it would be worth trying to get finance to upgrade to a larger PPOR or if the bank sees our application with our new financial...